CBN’s N220bn MSMED fund creates more opportunities for borrowers

466
1379

The Central Bank of Nigeria (CBN) launched the Micro Small and Medium Enterprises Development Fund (MSMEDF) on August 15, 2013, with a share capital of N220 billion. The Fund was established in recognition of the significant contributions of the MSME sub-sector to the economy and the existing huge financing gap.

The International Finance Corporation (IFC) estimates that 65 million firms, or 40 percent of formal micro, small and medium enterprises in developing countries, have an unmet financing need of $5.2 trillion every year, which is equivalent to 1.4 times the current level of the global MSME lending.

As of May 28, 2021, the sum of N85.190 billion has been disbursed under Micro Small and Medium Enterprises Development Fund to 746 beneficiaries.

It implies that close to N135 billion of the MSMED fund is still available for operators in the sub-sector to access to expand their businesses.

Giving his thought on the disbursement so far, Uche Uwaleke, professor of capital market and president, Capital Market Academics of Nigeria, said there is still scope to scale up the disbursements especially against the backdrop of the need to support economic recovery efforts post-pandemic.

However, he said it must be borne in mind that the disbursements are concessional credit facilities meant to be repaid by the beneficiaries and not outright grant which, the CBN is in no position to make.

By implication, before any fund is disbursed, the CBN is expected to ensure that proper credit appraisal processes must have been carried out by participating financial institutions.

“In my view, the need to implement conditions precedent before any funds are disbursed largely explains the pace and current state of disbursement.

“It goes without saying that if the objectives of the MSMEs development fund are to be achieved, then the CBN must continue to not only monitor the disbursements to ensure that they get to the real beneficiaries but also periodically evaluate its performance against stated objectives, he said.

Read Also: Our interventions in economy driven by market failure- CBN

Indeed, for interventions such as the MSMEs development fund, it is not how much but how well that matters, Uwaleke said.

Beyond its intervention programs, the CBN has continued to encourage banks and financial institutions to lend from their balance sheet in order to support the growth of critical sectors of the economy.

Such sectors include Agriculture, Micro, Small and Medium Enterprises (MSMEs) and the Real Estate Sector.

Greater emphasis on improving consumer spending and business investment by MSMEs is critical to sustainable double-digit growth of the Nigerian economy, according to Godwin Emefiele, governor of the CBN.

According to the CBN, 10 percent of the Fund has been devoted to developmental objectives such grants, capacity building and administrative costs while 90 percent commercial component has been released to Participating Financial Institutions(PFIs) at 2 percent for on-lending to MSMEs at a maximum interest rate of 9 percent per annum.

Eligible activities to be financed include agricultural value chain, services, cottage industries, artisans, trade and commerce and any income-generating business as may be prescribed by the CBN from time to time.

The broad objective of the Fund is to channel low-interest funds to the MSME sub-sector of the Nigerian economy through PFIs to: enhance access by MSMEs to financial services; Increase productivity and output of microenterprises; Increase employment and create wealth, and engender inclusive growth.

The regulator last month revealed that 585,593 beneficiaries have so far received N462.722 billion as of May 28, 2021, from its various intervention schemes to support MSMEs and individuals.

Last week, the CBN explained that its interventions are born out of market failure and other critical issues within the nation’s economic space.

Currently, the CBN has 37 intervention funds targeted at stimulating the economy and addressing the issue of unemployment.

“What we need to understand about CBN’s interventions is that it is purpose-driven, it is functionally based and it is also well thought out,” Osita Nwanisobi, acting director, corporate communications department, CBN said at the CBN’s fair held virtually in Lagos and Abeokuta in Ogun State.

He said interventions like the refinancing restructuring facility, or the Power Airline Intervention (PAIF), came in the aftermath of the global financial crisis.

“It was part of our quantitative easing. After the global financial crisis, the banks were stabilised. Stabilizing the banks we had another issue and that became unemployment.

“As someone who has the vision of building a people’s centred Central Bank, Emefiele said we must tackle unemployment. So you saw the Real Sector Support Facility (RSSF), the whole essence is to stimulate the real sector,” he said.

Nwanisobi explained that Agri-Business/Small and Medium Enterprise Investment Scheme (AGSMEIS), speaks to the young generation who don’t have the collateral, who don’t have what it takes to access the normal traditional loan from the bank. When they come to NIRSAL microfinance banks, nobody asks them for collateral.

“All we say is that for you to access this intervention fund you need to have gone through vocational entrepreneurship education and the essence is to enable them to understand the norms of establishing and handling a business so that when they start they will understand that the business is totally for them,” he said.

He said 70 percent of the loans will be used to procure equipment while the remaining 30 percent would be given to people as working capital to enable them to start up something.

The CBN has disbursed about N700 billion in various agricultural programmes and as of January 2021, the CBN had disbursed N554.61 billion to 2,849,490 farmers to boost food security under its Anchor Borrowers’ Programme alone since 2015.

Under the N1 trillion real sector fund, a total of 234 real sector projects valued at N857. 644 billion was approved and disbursed from November 2018 till May 28.

Of the total 234 projects, 155 real sector projects valued at N615 billion was financed from January 2020 till May 28, 2021, to 78 manufacturing projects – N256 billion; 36 agricultural projects – N84. 481 billion; 30 Service projects – N191 billion; and 11 Mining Projects – N83.5 billion.

Data from the CBN showed that as of January 2021 till date, N157.517 billion have been disbursed for 29 real sector projects under the Real Sector Support Facility- Differentiated Cash Reserve Requirement (RSSF-DCRR).

According to the World Bank Group, Small and Medium Enterprises (SMEs) play a major role in most economies, particularly in developing countries.

SMEs account for the majority of businesses worldwide and are important contributors to job creation and global economic development. They represent about 90 percent of businesses and more than 50 percent of employment worldwide. Formal SMEs contribute up to 40 percent of national income (GDP) in emerging economies. These numbers are significantly higher when informal SMEs are included.

The World Bank’s estimates revealed that 600 million jobs will be needed by 2030 to absorb the growing global workforce, which makes SME development a high priority for many governments around the world.

In emerging markets, most formal jobs are generated by SMEs, which create 7 out of 10 jobs. However, access to finance is a key constraint to SME growth, it is the second most cited obstacle facing SMEs to grow their businesses in emerging markets and developing countries.

SMEs are less likely to be able to obtain bank loans than large firms; instead, they rely on internal funds, or cash from friends and family, to launch and initially run their enterprises.

466 COMMENTS

  1. Hey there just wanted to give you a quick
    heads up. The text in your post seem to be running
    off the screen in Firefox. I’m not sure if this is a formatting issue or something to do with browser
    compatibility but I figured I’d post to let you know.

    The design look great though! Hope you get the issue solved soon. Thanks

  2. Just desire to say your article is as astounding.
    The clarity in your put up is simply nice and i can suppose you’re a professional on this subject.
    Fine along with your permission let me to seize your RSS feed to
    keep updated with impending post. Thank you a million and please continue the gratifying work.

  3. Excellent website you have here but I was wanting to know if you
    knew of any message boards that cover the same topics
    discussed here? I’d really like to be a part of community where I can get advice from other knowledgeable people
    that share the same interest. If you have any recommendations, please let me know.
    Thanks a lot!

  4. Simply wish to say your article is as surprising.
    The clarity in your post is simply spectacular and i could assume you are an expert on this subject.
    Fine with your permission let me to grab your RSS feed to keep
    up to date with forthcoming post. Thanks a million and please continue the rewarding work.

  5. Can I simply say what a comfort to discover someone that really understands what they are discussing online.

    You definitely know how to bring a problem to light and make it important.
    More and more people really need to read this and understand
    this side of your story. I was surprised you’re
    not more popular given that you surely have the gift.

  6. Superb blog! Do you have any suggestions for aspiring writers?
    I’m planning to start my own site soon but I’m a little lost on everything.
    Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m completely overwhelmed ..
    Any tips? Thank you!

  7. Undeniably believe that which you stated. Your favorite
    justification appeared to be on the web the easiest thing to be aware of.
    I say to you, I certainly get annoyed while people think
    about worries that they just do not know about. You managed to
    hit the nail upon the top and defined out the whole thing without having side effect , people can take a
    signal. Will likely be back to get more. Thanks

  8. It’s a pity you don’t have a donate button! I’d most certainly donate to this outstanding blog!
    I guess for now i’ll settle for book-marking and adding your RSS feed to my Google account.
    I look forward to fresh updates and will share this blog with
    my Facebook group. Talk soon!

  9. My spouse and I absolutely love your blog and find the majority of your
    post’s to be exactly what I’m looking for. Would you offer guest
    writers to write content to suit your needs? I wouldn’t mind
    publishing a post or elaborating on a few of the subjects you
    write regarding here. Again, awesome web site!

  10. It’s a shame you don’t have a donate button! I’d
    without a doubt donate to this fantastic blog! I suppose
    for now i’ll settle for book-marking and adding your RSS feed to my Google account.
    I look forward to brand new updates and will talk about this site with my Facebook group.
    Chat soon!

  11. Excellent goods from you, man. I have be mindful your stuff
    prior to and you’re just too fantastic. I
    actually like what you’ve obtained right here, certainly like what
    you are saying and the way in which in which you say it.
    You are making it entertaining and you continue to take care of to keep
    it wise. I can’t wait to read far more from you.
    This is actually a tremendous website.

  12. Hey I know this is off topic but I was wondering if you knew of
    any widgets I could add to my blog that automatically tweet my newest twitter updates.
    I’ve been looking for a plug-in like this for quite some
    time and was hoping maybe you would have some experience with something
    like this. Please let me know if you run into anything.

    I truly enjoy reading your blog and I look forward to your new updates.

  13. Greetings from Colorado! I’m bored to tears at work so I decided to check
    out your blog on my iphone during lunch break. I love the
    info you provide here and can’t wait to take a look when I get
    home. I’m shocked at how quick your blog loaded on my phone ..
    I’m not even using WIFI, just 3G .. Anyhow, awesome site!

  14. I loved as much as you will receive carried out right here.
    The sketch is attractive, your authored subject matter
    stylish. nonetheless, you command get bought an edginess over that you wish be delivering the following.
    unwell unquestionably come more formerly again as exactly the same nearly a lot often inside case you shield this
    increase.

  15. Hey there would you mind sharing which blog platform you’re using?
    I’m going to start my own blog in the near future but I’m having a
    hard time selecting between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and I’m looking for something unique.
    P.S My apologies for getting off-topic but I had to ask!

  16. First of all I would like to say fantastic blog! I had a quick question that I’d like to ask if
    you do not mind. I was interested to know how you center yourself and clear your
    head before writing. I’ve had a difficult time clearing my thoughts in getting my thoughts out there.

    I do enjoy writing but it just seems like the first 10 to 15 minutes are usually lost just trying to
    figure out how to begin. Any ideas or hints?
    Cheers!

  17. Just want to say your article is as astonishing.
    The clarity in your post is just nice and
    i could assume you’re an expert on this subject. Well with your permission let me to grab your RSS
    feed to keep up to date with forthcoming post.
    Thanks a million and please keep up the rewarding work.

  18. First of all I would like to say excellent blog! I had a quick question which I’d
    like to ask if you don’t mind. I was interested to find out
    how you center yourself and clear your thoughts prior to writing.

    I have had a difficult time clearing my mind in getting my thoughts out there.
    I truly do take pleasure in writing however it just seems like the first 10 to 15
    minutes are usually lost simply just trying to figure out how to begin. Any recommendations
    or tips? Many thanks!

  19. I know this if off topic but I’m looking into starting my own weblog and was curious what all is
    required to get set up? I’m assuming having a blog like yours would cost a
    pretty penny? I’m not very web smart so I’m not 100% certain. Any recommendations or advice would be greatly appreciated.

    Thank you

  20. I loved as much as you will receive carried out right
    here. The sketch is tasteful, your authored subject matter
    stylish. nonetheless, you command get got an impatience over that you wish be delivering the following.
    unwell unquestionably come more formerly again since exactly
    the same nearly a lot often inside case you shield this increase.

  21. Have you ever considered about adding a little bit more than just your articles?
    I mean, what you say is valuable and all. However think of if you
    added some great images or video clips to give
    your posts more, “pop”! Your content is excellent but with pics and videos, this website could definitely be one of the best in its field.
    Terrific blog!

  22. hello there and thank you for your information – I have definitely picked
    up something new from right here. I did however expertise a few technical issues
    using this website, since I experienced to reload the
    web site many times previous to I could get it to load
    correctly. I had been wondering if your web host is OK?
    Not that I am complaining, but slow loading instances times will sometimes affect your placement in google and could damage your quality
    score if ads and marketing with Adwords. Well I’m adding this RSS to my e-mail and can look
    out for much more of your respective fascinating content.
    Ensure that you update this again soon.

  23. Simply want to say your article is as surprising.
    The clarity in your put up is simply cool and
    that i can suppose you’re knowledgeable on this subject. Fine together with
    your permission let me to snatch your feed to keep updated with forthcoming post.
    Thank you a million and please keep up the gratifying work.

  24. Hey there I am so happy I found your website, I really found
    you by accident, while I was looking on Aol for something else, Anyways I am here now and would just like to say thanks for a tremendous post and a all
    round exciting blog (I also love the theme/design), I don’t
    have time to read through it all at the moment but I have
    bookmarked it and also added in your RSS feeds, so when I have time I will be back to
    read a lot more, Please do keep up the awesome work.

  25. Hi there would you mind sharing which blog platform you’re working with?
    I’m planning to start my own blog in the near future but I’m having
    a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal.

    The reason I ask is because your design seems different then most blogs and I’m looking for something unique.

    P.S Sorry for getting off-topic but I had to ask!

  26. It’s a pity you don’t have a donate button! I’d most certainly donate to this
    superb blog! I guess for now i’ll settle for book-marking and adding
    your RSS feed to my Google account. I look forward to new
    updates and will talk about this site with my Facebook group.
    Talk soon!

  27. Hey just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Internet explorer.
    I’m not sure if this is a formatting issue or something to do with internet browser compatibility but
    I thought I’d post to let you know. The design look great
    though! Hope you get the problem resolved soon. Many thanks

  28. It’s a shame you don’t have a donate button! I’d certainly
    donate to this excellent blog! I suppose for now
    i’ll settle for bookmarking and adding your RSS feed to my Google account.

    I look forward to fresh updates and will talk about this blog with my Facebook group.
    Talk soon!

  29. It’s a shame you don’t have a donate button! I’d certainly donate to this fantastic blog!
    I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account.

    I look forward to brand new updates and will share this blog with my
    Facebook group. Talk soon!

  30. The other day, while I was at work, my cousin stole my apple ipad and tested to
    see if it can survive a forty foot drop, just so she
    can be a youtube sensation. My iPad is now broken and she has 83 views.
    I know this is completely off topic but I had to share it with someone!

  31. I’m really loving the theme/design of your weblog. Do you
    ever run into any internet browser compatibility
    problems? A number of my blog visitors have complained about my website not operating correctly
    in Explorer but looks great in Opera. Do you have any recommendations to help fix this problem?

  32. Please let me know if you’re looking for a article
    writer for your blog. You have some really great posts and I believe
    I would be a good asset. If you ever want to take some of the load off, I’d love to
    write some content for your blog in exchange for a link
    back to mine. Please blast me an email if interested. Thanks!

  33. Hello there! I know this is somewhat off topic but I was wondering which
    blog platform are you using for this site? I’m getting
    fed up of WordPress because I’ve had problems with hackers and I’m looking at
    alternatives for another platform. I would be fantastic if you could point me
    in the direction of a good platform.

  34. I know this if off topic but I’m looking into starting my own blog and was curious
    what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty
    penny? I’m not very web savvy so I’m not 100% certain. Any
    recommendations or advice would be greatly appreciated.
    Kudos

  35. Heya! I know this is somewhat off-topic however I
    needed to ask. Does building a well-established blog such as yours take a lot of
    work? I am completely new to operating a blog however I do write in my diary every day.
    I’d like to start a blog so I will be able to share my experience and views
    online. Please let me know if you have any
    ideas or tips for brand new aspiring bloggers. Thankyou!

  36. Write more, thats all I have to say. Literally, it seems as though you relied on the
    video to make your point. You definitely know
    what youre talking about, why waste your intelligence on just posting videos to your blog when you
    could be giving us something enlightening to read?

  37. hello there and thank you for your info – I’ve definitely picked up anything new from right here.

    I did however expertise some technical points
    using this web site, as I experienced to reload the site many times previous
    to I could get it to load correctly. I had
    been wondering if your hosting is OK? Not that I’m complaining, but sluggish loading instances
    times will often affect your placement in google and could damage your
    quality score if ads and marketing with Adwords. Well I am adding this RSS to my e-mail
    and can look out for much more of your respective fascinating
    content. Ensure that you update this again soon.

  38. Howdy! I know this is kinda off topic but I was wondering
    which blog platform are you using for this site? I’m getting
    sick and tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform.
    I would be awesome if you could point me in the direction of
    a good platform.

  39. Have you ever considered about adding a little bit more
    than just your articles? I mean, what you say is valuable and all.
    However think about if you added some great images or video clips to give your posts more, “pop”!
    Your content is excellent but with pics and clips, this blog could definitely
    be one of the most beneficial in its field. Fantastic blog!

  40. Howdy! This blog post could not be written much better!
    Reading through this post reminds me of my previous roommate!

    He always kept talking about this. I am going to forward this article to him.

    Pretty sure he’ll have a good read. I appreciate you for sharing!

  41. With havin so much content do you ever run into any issues of plagorism or copyright infringement?

    My site has a lot of completely unique content I’ve either written myself or outsourced but it appears a lot of it is popping it up all over the internet without my agreement.

    Do you know any solutions to help reduce content from being ripped
    off? I’d certainly appreciate it.

  42. Hello! I know this is kinda off topic but I was wondering
    which blog platform are you using for this website?
    I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform.
    I would be great if you could point me in the direction of a good platform.

  43. Excellent goods from you, man. I’ve understand your stuff previous to and you’re just extremely wonderful.
    I actually like what you have acquired here, really like what you are
    stating and the way in which you say it. You make it enjoyable and you
    still care for to keep it sensible. I can not wait to
    read far more from you. This is really a terrific web
    site.

  44. Have you ever thought about creating an e-book or guest authoring on other sites?
    I have a blog based upon on the same information you discuss and would really
    like to have you share some stories/information.
    I know my subscribers would value your work. If you are even remotely interested, feel free to shoot me an e mail.

  45. Do you mind if I quote a couple of your articles as long as I provide credit and
    sources back to your webpage? My blog is in the very same
    niche as yours and my visitors would definitely benefit from a lot of the information you present here.
    Please let me know if this ok with you. Appreciate it!

  46. Wonderful goods from you, man. I have understand your stuff previous to and you’re just extremely wonderful.
    I really like what you have acquired here, really like what you are
    saying and the way in which you say it. You make it
    enjoyable and you still take care of to keep it smart. I
    can not wait to read far more from you. This is really a tremendous web site.

  47. Hello there I am so thrilled I found your site, I really found you by error, while I was looking on Bing for something
    else, Anyways I am here now and would just like to say cheers for a incredible post and a all round entertaining blog
    (I also love the theme/design), I don’t have time to read through it all at the minute but I have bookmarked
    it and also added your RSS feeds, so when I have time I will be back to read a great deal more, Please
    do keep up the awesome jo.

  48. Hmm it looks like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I submitted and say, I’m
    thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything.
    Do you have any tips for beginner blog writers?
    I’d genuinely appreciate it.

  49. Hello would you mind letting me know which hosting company you’re
    utilizing? I’ve loaded your blog in 3 different internet browsers and I must say this
    blog loads a lot faster then most. Can you recommend a good web hosting
    provider at a reasonable price? Thanks a lot, I appreciate it!

  50. Hey there! I know this is kinda off topic but I’d figured I’d ask.
    Would you be interested in exchanging links or maybe guest authoring a blog article or vice-versa?
    My site covers a lot of the same topics as yours and I believe we could
    greatly benefit from each other. If you might be interested feel free to shoot me
    an email. I look forward to hearing from you! Fantastic blog by the way!

  51. Excellent items from you, man. I have take into accout your
    stuff previous to and you’re simply too magnificent.

    I actually like what you’ve bought here, really like what you’re saying
    and the way by which you are saying it. You’re making it entertaining and you still
    care for to stay it smart. I cant wait to
    learn far more from you. This is really a terrific web site.

  52. Hi! I know this is somewhat off-topic but I needed to ask.
    Does operating a well-established website such as yours require a large
    amount of work? I’m completely new to operating a blog but I do write in my journal daily.
    I’d like to start a blog so I will be able to share my personal experience and thoughts online.
    Please let me know if you have any kind of recommendations or tips for brand new aspiring bloggers.
    Appreciate it!

  53. Its like you read my mind! You seem to know a lot about
    this, like you wrote the book in it or something.
    I think that you could do with a few pics to drive the message home
    a bit, but instead of that, this is fantastic blog. An excellent read.
    I will certainly be back.

  54. Have you ever thought about adding a little bit more than just your articles?
    I mean, what you say is fundamental and all. But imagine if you
    added some great pictures or video clips to give your posts more, “pop”!
    Your content is excellent but with images and clips, this website could definitely be
    one of the most beneficial in its field. Good blog!

  55. Undeniably believe that that you said. Your favourite reason seemed to be on the web the simplest thing to be
    mindful of. I say to you, I definitely get annoyed whilst folks think about issues that they plainly don’t understand about.
    You controlled to hit the nail upon the highest as neatly as defined out the entire thing without having side-effects ,
    folks could take a signal. Will likely be again to get more.
    Thanks

  56. Unquestionably believe that which you said.
    Your favorite justification appeared to be on the net
    the easiest thing to be aware of. I say to you, I certainly get irked while people think
    about worries that they just don’t know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people could take a signal.
    Will likely be back to get more. Thanks

  57. I’m amazed, I must say. Rarely do I encounter a blog
    that’s equally educative and entertaining, and without a doubt, you’ve hit the
    nail on the head. The problem is something that too few people are speaking intelligently about.
    I am very happy I found this during my hunt
    for something concerning this.

  58. Hello, I believe your web site might be having web browser compatibility issues.
    Whenever I look at your blog in Safari, it looks fine however, when opening in IE, it has some overlapping issues.
    I simply wanted to provide you with a quick heads up!
    Aside from that, fantastic site!

  59. I don’t know whether it’s just me or if perhaps everyone else experiencing issues with your website.

    It looks like some of the written text within your content are running
    off the screen. Can someone else please comment and let me know
    if this is happening to them as well? This may be
    a issue with my browser because I’ve had this happen before.
    Thanks

  60. What i do not realize is in reality how you’re no longer actually much more smartly-appreciated than you might
    be now. You’re so intelligent. You know thus significantly in the case of this topic,
    produced me for my part imagine it from numerous numerous angles.
    Its like women and men don’t seem to be fascinated except it
    is one thing to do with Woman gaga! Your individual stuffs nice.
    At all times deal with it up!

  61. First off I would like to say superb blog! I had a quick question which I’d like to ask if you don’t mind.
    I was interested to find out how you center yourself and clear your
    mind prior to writing. I have had difficulty clearing my thoughts in getting my ideas out
    there. I do take pleasure in writing but it just seems like the first 10 to 15 minutes are generally wasted simply just trying to figure out how to begin. Any ideas or hints?

    Thank you!

  62. You’re so interesting! I do not believe I
    have read a single thing like this before. So great to discover another person with
    some original thoughts on this subject matter. Really..

    thanks for starting this up. This web site is one thing that’s needed on the web, someone with a bit of originality!

  63. Having read this I thought it was really enlightening. I appreciate you taking the time and
    energy to put this informative article together.

    I once again find myself personally spending way too much time both reading and commenting.
    But so what, it was still worth it!

  64. It’s appropriate time to make some plans for the future
    and it’s time to be happy. I have read this post and if I could I want to suggest you few
    interesting things or suggestions. Maybe you could write next articles
    referring to this article. I want to read even more things about it!

  65. Howdy I am so excited I found your site, I really
    found you by mistake, while I was looking on Yahoo for something else, Anyways
    I am here now and would just like to say kudos for a remarkable post and a all round enjoyable blog (I also love
    the theme/design), I don’t have time to read through it all at the moment but I have
    bookmarked it and also added your RSS feeds, so when I have
    time I will be back to read a great deal more, Please do keep up
    the excellent job.

  66. Hey I am so glad I found your web site, I really found
    you by accident, while I was looking on Digg for something else, Anyways I
    am here now and would just like to say thanks a lot for a fantastic post and a all round entertaining blog (I also
    love the theme/design), I don’t have time to read it all at the minute but I have saved it and also added in your RSS feeds, so when I have time I will be back to read more,
    Please do keep up the fantastic job.

  67. Hey I know this is off topic but I was wondering if you
    knew of any widgets I could add to my blog that automatically tweet
    my newest twitter updates. I’ve been looking for a plug-in like this
    for quite some time and was hoping maybe you would have some experience with something like this.
    Please let me know if you run into anything. I truly enjoy
    reading your blog and I look forward to your new updates.

  68. Do you mind if I quote a few of your articles as long as I provide credit and sources back
    to your blog? My website is in the exact same area of interest as yours and my users
    would definitely benefit from some of the information you provide here.
    Please let me know if this okay with you. Appreciate
    it!

  69. Hi there would you mind letting me know which hosting company you’re using?
    I’ve loaded your blog in 3 different internet browsers and I must say this blog loads a lot faster then most.
    Can you recommend a good web hosting provider at a fair price?

    Cheers, I appreciate it!

  70. Write more, thats all I have to say. Literally,
    it seems as though you relied on the video to make your point.
    You clearly know what youre talking about, why waste your intelligence on just posting videos to
    your blog when you could be giving us something
    enlightening to read?

  71. Having read this I thought it was extremely enlightening.
    I appreciate you taking the time and energy to put
    this information together. I once again find myself spending a significant amount of time both reading and commenting.

    But so what, it was still worthwhile!

  72. hey there and thank you for your information – I
    have certainly picked up something new from right here.
    I did however expertise several technical points using this website, as I experienced to reload the website a lot of
    times previous to I could get it to load correctly. I had been wondering if your hosting
    is OK? Not that I’m complaining, but sluggish loading instances times will sometimes affect your placement in google
    and can damage your high quality score if ads and marketing with Adwords.

    Anyway I am adding this RSS to my e-mail and could look out for
    a lot more of your respective intriguing content. Ensure that you update this again soon.

  73. With havin so much content do you ever run into any problems of plagorism or copyright violation? My site has a lot of completely unique content I’ve either authored myself or
    outsourced but it looks like a lot of it is popping
    it up all over the web without my permission. Do you know any solutions to help reduce content
    from being stolen? I’d really appreciate it.

  74. Today, I went to the beach front with my children. I found a sea shell and gave it
    to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed.

    There was a hermit crab inside and it pinched her ear.
    She never wants to go back! LoL I know this is totally off topic but I had to tell
    someone!

  75. Everything typed made a lot of sense. But, think on this, what if you
    were to create a awesome headline? I ain’t saying your information is not solid, but what if you added something that makes people desire more?
    I mean CBN’s N220bn MSMED fund creates more opportunities for borrowers – Bam Magazine is kinda vanilla.
    You should peek at Yahoo’s front page and see how they create news headlines
    to get viewers interested. You might try adding a video or a related pic or two
    to grab readers excited about what you’ve got to say.

    Just my opinion, it would bring your posts a little livelier.

  76. Hey there I am so happy I found your website, I really found you by accident, while I
    was searching on Askjeeve for something else, Anyways I am here now and would just like to say thanks a lot for a fantastic post and a all round
    interesting blog (I also love the theme/design), I don’t have
    time to look over it all at the moment but I have bookmarked it and
    also included your RSS feeds, so when I have time I will be back to read a lot more, Please do keep up the excellent jo.

  77. Thanks for your personal marvelous posting! I definitely enjoyed reading it,
    you can be a great author.I will be sure to bookmark your blog and
    will eventually come back down the road. I want to encourage you to ultimately continue your great posts, have
    a nice day!

  78. I don’t know whether it’s just me or if everybody
    else experiencing issues with your website.

    It appears as though some of the written text in your
    posts are running off the screen. Can somebody
    else please comment and let me know if this is happening to them too?

    This might be a problem with my browser because I’ve had this
    happen before. Many thanks

  79. Howdy, I think your website could possibly be having web browser compatibility issues.
    When I take a look at your site in Safari, it looks fine but when opening in IE, it’s got some overlapping issues.
    I merely wanted to provide you with a quick heads up! Aside from that,
    fantastic site!

  80. I’m really impressed along with your writing skills as well as with
    the format on your weblog. Is that this a paid subject matter or did you customize
    it yourself? Anyway keep up the nice high quality writing,
    it is rare to look a great blog like this one nowadays..

  81. Appreciating the commitment you put into your blog and detailed information you
    present. It’s great to come across a blog every once in a while that isn’t the same outdated rehashed material.
    Wonderful read! I’ve saved your site and I’m including your RSS feeds to my Google account.

  82. Good day! This is kind of off topic but I need some guidance from an established
    blog. Is it hard to set up your own blog? I’m not very techincal but I
    can figure things out pretty fast. I’m thinking about creating my own but I’m not
    sure where to start. Do you have any tips or suggestions?

    Thank you

  83. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically
    tweet my newest twitter updates. I’ve been looking
    for a plug-in like this for quite some time and was hoping
    maybe you would have some experience with something like this.
    Please let me know if you run into anything. I truly enjoy reading
    your blog and I look forward to your new updates.

  84. So umgehen die namhaften Produzenten es, Papierrollen mit geringerer
    Qualität anzubieten. Wir vom Bonrollen.de-Shop vertreiben ausschließlich A Qualität,
    bei alldem wir dadurch nicht immer die billigsten Bonnrollen verkaufen.
    Papierrollen werden über ihren Durchmesser verkauft. Dieses
    Papier verliert durch den geringeren Materialanteil an Stabilität.
    Um diese Rollen ertragreich realisierbar, wird teils dickeres “luftigeres Papier” verwendet.

    Wird das Papier dann vom Drucker eingezogen, entsteht ein höherer Abrieb der
    im Drucker und am Druckkopf verbleibt. Der Bonrollen.de-Shop distanziert sich von diesem
    Verfahren und vertreibt keine Rollen aus diesem Papier.

    Thermopapier kommt überall zum Einsatz, wo ein besonders hoher Anspruch an lange Haltbarkeit der aufgedruckten Texte gefordert ist.

    Auch in heiß/kalten oder öliger Umgebung (Bspw.
    im Lebensmittelbereich) kommt Thermopapier oft zum Einsatz.
    Unsere Artikel zeichnen sich durch gleichbleibenden Materialanteil, Produktionsqualität, Oberflächengüte und die gleichmäßige
    Papierstärke auf den Bonrollen aus. Hier wird dann meist ein etwas dickeres Papier
    eingesetzt. Sonderrollen verlieren in den letzten Jahren mit steigender Tendenz an Bedeutung.
    Druckerhersteller für POS Systeme einigen sich immer öfter auf einheitliche Papierrollenformate.
    Durchschlagpapierrollen kommen oder kamen öfters bei Kreditkartentherminals zum Einsatz.
    Heut zu Tage werden meist die Ausdrucke nacheinander gedruckt.

    Dennoch gibt es Anwendungen die diese Durchschlag-Druck-Technik immer voraussetzen, sogar
    wenn der Marktanteil marginal ist. Somit ist das Durschlagpapier
    aufm Rückzug. Dieser Artikel wird in vielen Bereichen eingesetzt und wird
    auch lange bis jetzt nicht aus unserem Leben wegzudenken sein. Ebenso ist
    Beschaffenheit und Be- oder Verarbeitung des Materials ein wichtiger
    Aspekt für den Erhalt unseres Ökosystems. Doch wie
    andeutungsweise aufgezeigt wurde, ist die technische Beschaffenheit ein wichtiger Faktor, der sich auf die Lebensdauer Ihres Druckers auswirkt.
    Auf unseren Rollen verwenden wir recycelbares Papier-Material, welches wiederaufbereitet werden kann.
    Die Umwelt, wie noch Ihre Hardware, wird so geschont.

  85. Im heutigen Handel kommen wir fast gar nicht länger ohne
    die Bonrolle aus. Auf ihnen werden nicht nur die Kassenbelege gedruckt, die
    den Kunden überreicht werden, sondern auch eigene Rechnungen getätigt.
    Das wohl bekannteste Verfahren ist das Thermoverfahren. Nicht ausbleiben verschiedene Verfahren, mit denen die
    Rollen bedruckt werden. Auf diese weise wird keine
    zusätzliche Drückerschwärze benötigt, was sich langfristig positiv auf die Kosten auswirkt.
    Hierbei wird mit einem Laser die gewünschte Schrift direkt in das Papier
    gebrannt. A fortiori muss es hitzebeständig sein, da beim Verfahren sonst ein gewisses Entzündungsrisiko besteht.
    Hochwertige Qualität erkennt man meist erst, wenn das Produkt konkret zum Einsatz kommt.
    Die Qualität zeigt sich durch eine gleichmäßige Schwärzung, die auch einen hervorragenden Kontrast erlaubt.
    Das hierbei benötigte Thermopapier muss verschiedenen Anforderungen genügen, um für diese Aufgabe geeignet geschlossen haben. Das Papier muss absolut
    eben und glatt sein, damit der Laser Zeichen exakt einbrennen kann.
    Aber auch vor der Benutzung kann man qualitativ hochwertige Bonrollen an bestimmten Zeichen erkennen. Außerdem sollten auf Hinweise namhaft, die belegen, dass das Papier keine schädlichen Ionendämpfe abgibt, wenns bearbeitet wird.

    Dies rührt vom speziellen Herstellungsverfahren des Papiers her.